Who Has The Cheapest Motorcycle Insurance Quotes In Alabama?

The Yellowhammer State, a name derived from the state bird, has more than 4.8 million residents and an increasingly diverse economy. It’s beautiful terrain makes Alabama a great place to own a bike so we gathered motorcycle insurance quotes from four major carriers to see who in the state had the best rates. The policy quoted was for a 45-year-old rider and included coverage for bodily injury protection of $100,000 per person/$300,000 per accident, and $50,000 in property damage. The study found the most expensive place had quotes that were 21% higher than the cost of the cheapest in Alabama.

Cheapest Motorcycle Insurance Companies

The four carriers we gathered quotes from had a wide range of rates for our sample policy and rider. Some were much more affordable than others. In Alabama, the average motorcycle insurance quote was $502 but some companies had rates less expensive or significantly more expensive than that. GEICO and Nationwide had the best quotes for our sample policy, which were $338 and $343, respectively. The average annual quote from Progressive was $532, just above the average for the state. We consider Progressive to be among the best motorcycle insurance companies. Dairyland had the most expensive motorcycle insurance quotes -- the average was $793 which was more than 2x the cost of GEICO.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Alabama: By City

Seven places in Alabama tied for having the best motorcycle insurance rates for our sample policy and rider: Clayton, Daleville, Dothan, Geneva, Heflin, Lafayette and Roanoke. All had annual premiums quoted that were 7.1% lower than the state average for the study. Most other places with rates for the study sample policy and rider below the Alabama average were not as cheap, with rates just 1.4% lower.

The places in Alabama with the most expensive motorcycle insurance rates are scattered throughout the state and vary is size. For example, Birmingham is the largest city in Alabama and Carbon Hill has only about 2,000 residents. The place with the most expensive motorcycle insurance premiums was Chatom, where rates were 12.7% higher than the average cost of motorcycle insurance in Alabama.

Rank

City

Average Annual Rate

% Difference vs State Average

1

Chatom

$566

12.7%

2

Luverne

566

12.7%

3

Birmingham

563

12.1%

4

Hoover

559

11.4%

5

Carbon Hill

548

9.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Chatom, AL

The place with the most expensive motorcycle insurance rates in Alabama is Chatom, a town about 60 miles north of Mobile. More than 1,100 people call Chatom home and frequent a number of local restaurants and outdoors activities. Motorcycle insurance rates in Chatom were 12.7% higher than the state average.

Luverne, AL

The place with the second-most expensive motorcycle insurance in Alabama is Luverne. The Crenshaw County city bills itself as the “Friendliest City in the South” and one with exceptional “hometown” qualities. It’s only 50 miles south of Montgomery and has about 2,800 residents. Motorcycle insurance quotes for our sample policy also were 12.7% higher than the
state average.

Birmingham, AL

Birmingham is the largest city in the state of Alabama, with more than 212,000 residents. It’s part of a statistical area with more than 1.1 million people -- which is about a quarter of the state’s population. The city was founded by investors across a number of industries, including cotton plantation owners, bankers and railroad entrepreneurs, and still have a diverse economy. It also has some of the least affordable motorcycle insurance premiums. Quotes for our sample policy were 12.1% higher than the state average.

Hoover, AL

The largest suburb of Birmingham is just south of the city and has more than 84,000 residents. It’s neighborhoods are nestled at the Appalachian Mountains and it’s known for its strong school systems. A popular point of interest are the Aldridge Botanical Gardens at the city’s center. Motorcycle insurance rates in Hoover are 11.4% higher than the Alabama average.

Carbon Hill, AL

In northwest Alabama is the city of Carbon Hill, right off Interstate 22. It has more than 2,000 residents and a number of Christian churches. It also is known for being a place where many fossil discoveries have been made. Motorcycle insurance premiums in Carbon Hill were 9.2% higher than the state average.

Comparison of Motorcycle Insurance Rates in Alabama

The comparative study of motorcycle insurance premiums in Alabama was done by gathering and analyzing quotes from four major carriers across 75 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 21% more than the cheapest.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 75 municipalities and census-designated places in the state of Alabama. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage
coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

City

Average Annual Rate

% Difference vs State Average

Alabama Average

$502

0.0%

39

Albertville

514

2.4%

8

Alexander City

472

-5.9%

44

Andalusia

516

2.8%

11

Anniston

475

-5.5%

16

Arab

495

-1.4%

17

Athens

495

-1.4%

45

Atmore

516

2.8%

18

Auburn

495

-1.4%

46

Bay Minette

516

2.8%

73

Birmingham

563

12.1%

47

Brewton

516

2.8%

70

Carbon Hill

548

9.2%

71

Carrollton

548

9.2%

48

Centre

516

2.8%

74

Chatom

566

12.7%

49

Citronelle

516

2.8%

40

Clanton

514

2.4%

1

Clayton

467

-7.1%

50

Columbiana

516

2.8%

19

Cullman

495

-1.4%

9

Dadeville

472

-5.9%

2

Daleville

467

-7.1%

20

Decatur

495

-1.4%

21

Demopolis

495

-1.4%

3

Dothan

467

-7.1%

51

Elba

516

2.8%

14

Enterprise

481

-4.2%

12

Eufaula

475

-5.5%

22

Eutaw

495

-1.4%

23

Fayette

495

-1.4%

24

Florence

495

-1.4%

52

Fort Deposit

516

2.8%

53

Fort Payne

516

2.8%

41

Gadsden

514

2.4%

68

Gardendale

540

7.6%

4

Geneva

467

-7.1%

54

Greenville

516

2.8%

55

Gulf Shores

516

2.8%

42

Guntersville

514

2.4%

25

Haleyville

495

-1.4%

26

Hartselle

495

-1.4%

5

Heflin

467

-7.1%

72

Hoover

559

11.4%

27

Huntsville

495

-1.4%

56

Jackson

516

2.8%

13

Jacksonville

475

-5.5%

28

Jasper

495

-1.4%

6

Lafayette

467

-7.1%

15

Lanett

489

-2.6%

29

Livingston

495

-1.4%

75

Luverne

566

12.7%

30

Madison

495

-1.4%

57

Mobile

516

2.8%

58

Monroeville

516

2.8%

31

Montgomery

495

-1.4%

32

Moulton

495

-1.4%

43

Oneonta

514

2.4%

33

Opelika

495

-1.4%

67

Opp

530

5.5%

36

Pell City

497

-1.0%

38

Piedmont

508

1.2%

59

Prattville

516

2.8%

7

Roanoke

467

-7.1%

60

Robertsdale

516

2.8%

34

Russellville

495

-1.4%

61

Scottsboro

516

2.8%

62

Selma

516

2.8%

10

Talladega

472

-5.9%

63

Tallassee

516

2.8%

64

Thomasville

516

2.8%

65

Troy

516

2.8%

69

Trussville

540

7.6%

35

Tuscaloosa

496

-1.1%

37

Tuskegee

497

-1.0%

66

Wetumpka

516

2.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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